Don’t waste yearly airline and hotel credits—use them

statement credits – A new rotating checklist mindset is the difference between getting full value and leaving credits on the table—especially when benefits arrive quarterly, biannually, or yearly and come with “use it or lose it” terms.

For many travelers, the reward isn’t the big signup bonus—it’s the quieter dollars that appear throughout the year. But those statement credits come on their own schedules. And if you miss the window, the value can vanish fast.

That’s the point behind a wide-ranging reminder list that runs through statement credits tied to major card issuers and airline or hotel co-branded programs. The guidance is simple: bookmark it, and revisit it every quarter so you don’t forget credits that arrive quarterly, biannually, or yearly.

American Express is where the schedule can be hardest to track. Amex notes that many of its statement credits are “up to” amounts, meaning the published number is the maximum you can receive. It also flags that some benefits can’t be rolled over, describing them as “use it or lose it.”

For the Amex Business Platinum, the yearly credits are a mix of travel and subscriptions. There’s up to a $1,150 Dell credit each year, structured as up to $150 in statement credits on U.S. purchases made directly at Dell plus an additional $1,000 statement credit after spending $5,000 or more with Dell each calendar year.

The card also offers biannual hotel credits. Up to $300 per half-year (up to $600 per calendar year) can be applied toward prepaid Fine Hotels + Resorts or The Hotel Collection property bookings made through Amex Travel and paid with The Business Platinum Card® from American Express. The Hotel Collection bookings must be at least two nights.

Other yearly credits on the Amex Business Platinum include up to a $300 ChatGPT Business subscription credit on U.S. purchases of ChatGPT Business subscriptions. subject to auto-renewal with enrollment required; a $250 Adobe credit after spending $600 or more on U.S. purchases made directly with Adobe from July 1 through Dec. 31 (and each calendar year after). with enrollment required and subject to automatic renewal; and up to a $209 Clear+ credit toward a Clear+ membership. excluding taxes and fees. subject to automatic renewal.

There’s also a yearly airline fee credit of up to $200. It’s tied to selecting one qualifying airline and having incidental fees charged by that airline to the Amex Business Platinum, with the ability to use it all at once or through multiple transactions.

Then come the shorter cycles that can be easy to overlook. On the Amex Business Platinum. there’s a quarterly Indeed credit of up to $90 per quarter (up to $360 per calendar year). There’s also a quarterly Hilton credit of up to $50 in statement credits per quarter (up to $200 per calendar year) for eligible purchases made directly with a Hilton portfolio property—provided you have a Hilton for Business membership to use the benefit.

This isn’t just a Business Platinum story. For the Amex Platinum. the same kinds of cycles show up again. including biannual hotel credits of up to $300 per half-year (up to $600 per calendar year) toward prepaid Fine Hotels + Resorts or Hotel Collection property bookings made through American Express Travel® and paid with the American Express Platinum Card®. The Hotel Collection stays must be at least two nights.

The Amex Platinum also carries a yearly Equinox credit of up to $300 per calendar year for Equinox+ or Equinox club memberships. subject to automatic renewal. A yearly Clear+ credit offers up to $209 in statement credits per calendar year toward a Clear+ membership. excluding taxes and fees and subject to automatic renewal. There’s also a yearly airline fee credit of up to $200 tied to selecting a qualifying airline and having incidental fees charged by the airline. usable all at once or through multiple transactions.

For the quarterly rhythm, the Amex Platinum includes up to a $100 Resy statement credit—up to four quarterly credits of $100 each (up to $400 per calendar year) when you pay with the Amex Platinum at an eligible U.S. Resy restaurant; no reservation is required.

Across these Amex cards, the annual fee also appears in the reminders. The Amex Business Platinum carries a $895 annual fee (see rates and fees). The Amex Platinum also carries a $895 annual fee (see rates and fees).

Amex Gold and Amex Green each add their own “don’t miss it” patterns. The Amex Gold offers biannually up to $50 in Resy statement credits—two separate $50 credits per calendar year. one from January to June and another from July to December. for up to $100 total. The credits are redeemed by dining at a U.S. restaurant that accepts Resy reservations and paying with the American Express® Gold Card. with enrollment required; a Resy reservation is not required to earn the statement credit.

The Amex Green provides a yearly up to $209 Clear+ credit when paying with the American Express® Green Card. It excludes taxes and fees, is subject to automatic renewal, and requires enrollment. The card information for the Amex Green Card has been collected independently by The Points Guy. and the card details on the page have not been reviewed or provided by the card issuer.

Beyond Amex, the checklist moves into airline and hotel ecosystems where credits are split across time windows too. Hilton co-branded cards include the Hilton Aspire. which features a yearly up to $209 Clear+ credit and biannual up to $200 Hilton resorts credits—split into January to June and July to December. for up to $400 per calendar year—on eligible purchases including room charges and incidentals at participating Hilton resorts.

For flights. the Hilton Aspire also includes a quarterly up to $50 flight credit (up to $200 per calendar year) when you pay for a flight directly with an airline. through amextravel.com or the Amex Travel App™. The credit is described with examples of what data points show it may cover. including seat upgrades. award taxes and fees. and United TravelBank balance reloads.

The reminders for Hilton Business and Hilton Surpass also appear, though the detailed credit listings in the provided material focus on Hilton Aspire.

Capital One is handled differently—more of a “you’ll likely have fewer to track” note. The material says very few Capital One credit cards have statement credits, so if readers carry one of the eligible cards listed, they should remember to maximize the credits.

Chase turns the spotlight to specific Chase credit cards where statement credits can go unnoticed. For the Chase Sapphire Reserve. there’s biannual up to a $250 The Edit credit (up to $500 per calendar year) for eligible bookings made with The Edit luxury hotel program through Chase Travel. There’s also biannual up to $150 in StubHub and Viagogo credits (up to $300 per calendar year) for event tickets purchased through Dec. 31, 2027.

On that same card. there’s biannual up to $150 credit for dining at Sapphire Reserve Exclusive Tables via OpenTable—up to $150 in biannual credits (up to $300 per calendar year) for prime-time reservations at Sapphire Reserve Exclusive Tables. with no prepayment or payment through OpenTable required.

For the Chase Sapphire Reserve for Business. the list includes an annual up to $200 Google Workspace credit for Google Workspace purchases through Dec. 31, 2027. It also includes biannual up to $250 The Edit credit (up to $500 per calendar year) and biannual up to $200 ZipRecruiter credit (up to $400 per calendar year). with benefit windows running January through June and again from July through December for purchases through ZipRecruiter through Dec. 31, 2027.

There’s also a biannual up to $50 Giftcards.com credit (up to $100 per calendar year), with purchase through giftcards.com/reservebusiness through Oct. 31, 2028.

In the airline co-branded segment, United’s credit cards are described as having statement credits that shouldn’t be forgotten. For the United cobranded cards section. the list includes yearly up to a $200 hotel credit for Renowned Hotels and Resorts or United Hotels. varying according to card. It also includes yearly up to a $200 JSX credit. yearly up to a $200 in TravelBank Cash. yearly up to $100 in TravelBank Cash via car rental. and yearly up to a $50 FareLock credit—issued after purchasing FareLock for United Airlines- or United Express-operated flights with one of United’s business cards. varying by card.

The list also covers World of Hyatt Business, with a brief note pointing back to statement credits. Citi’s roundup highlights several Citi offerings with credits that can be easy to overlook.

For the Citi / AAdvantage Executive, there’s a yearly up to $120 rental car credit for eligible prepaid Avis or Budget car rental purchases every calendar year.

For the Citi / AAdvantage Globe, there’s a yearly up to a $100 Splurge credit. The credit is in your choice of up to two merchants: 1stDibs, AAdvantage Hotels, Future Personal Training or Live Nation, with exclusions applying.

The Citi Strata Elite is listed with three statement credits that may be easy to forget. It includes yearly up to a $300 hotel credit for up to $300 per calendar year off a prepaid minimum two-night hotel stay booked through Citi Travel. It also includes yearly up to a $200 Splurge credit in your choice of up to two brands: 1stDibs. American Airlines. Best Buy. Future Personal Training and Live Nation. with exclusions applying. And it includes biannually up to a $100 Blacklane credit (up to $200 per calendar year) for Blacklane chauffeur bookings.

For the Citi Strata Premier, the often-overlooked item is a yearly $100 hotel credit: a $100 credit off a single hotel stay of $500 or more (excluding taxes and fees) when booked through cititravel.com or by calling 833-737-1288. The benefit is applied at the time of booking.

Finally, the list ends with U.S. Bank, where only one U.S. Bank credit card is identified as providing statement credits. The U.S. Bank Altitude® Go includes a yearly $15 streaming credit. with cardholders receiving a $15 streaming service credit after 11 months of eligible streaming purchases. Eligible merchants include Apple TV, Netflix and Spotify.

Underneath the card names and numbers. the takeaway is straightforward: if you treat statement credits as a one-time bonus. you’ll miss the ones that arrive on their own calendars. Many benefits are quarterly, biannually or yearly—easy to lose track of when monthly perks get all the attention. The checklist is meant to pull those quieter credits back into focus. so you can match your spending to the exact timing the cards require.

statement credits travel rewards credit card benefits American Express Amex Platinum Amex Business Platinum Hilton Aspire Chase Sapphire Reserve Citi AAdvantage Clear+ credit airline fee credit Resy credit The Edit credit